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Can you spot a phishing scam?

What's your score? Take five minutes to become a pro by taking the #BanksNeverAskThat quiz at BanksNeverAskThat.com. 

Every day, thousands of people fall victim to fraudulent e-mails, texts and calls from scammers pretending to be their bank. In this time of expanded use of online banking, the problem is only getting worse. 

The Federal Trade Comission's report on fraud estimates that American consumers lost a staggering $1.9 billion to phishing schemes and other fraud in 2019 - and the ongoing pandemic has only increased that threat. 

Online scams are easier to point out when you know what to look for. At West Shore Bank, we're committed to helping you spot them and protect your accounts. We've teamed up with the American Bankers Association to fight phishing this Cybersecurity Awareness Month.

Watch out for the top 3 phishing scams:

  • Text Message: If you receive a text message from someone claiming to be your bank and asking you to sign in or offer up personal information, it's a scam. Banks never ask that. 
  • E-mail: Your bank won't send you e-mails that ask you to click a suspicious link or provide personal information. The sender may claim to be someone from your bank, but it's a scam. Banks never ask that. 
  • Phone Calls: Your bank would never call you to verify your account number. Banks never ask that. If you're ever in doubt that a caller is legitimate, just hang up and call the bank directly at a number you trust. 

You've probably seen some of these scams before. But that doesn't stop a scammer from trying. For more tips on how to avoid phishing schemes, visit BanksNeverAskThat.com

Take the #BanksNeverAskThat quiz here


According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult. But there is hope. The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity and will be required to provide one or more of the following types of identification:

  • Driver’s license
  • Passport and country of issuance
  • US taxpayer identification (ID) number
  • Alien ID card
  • Any other government-issued document evidencing nationality or residence

To learn more about Identity Theft Protection, visit www.consumer.gov/idtheft or www.idtheft.gov.

The federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report , at your request, once every 12 months, from Annual Credit Report. The Federal Trade Commission (FTC), the nation’s consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights and how to order a free annual credit report